Earn up to 5.12% APY* Guaranteed!
Unlock the potential of your savings with Raiz Share Certificates.
Rates
View all rates & terms
Express Start
Share Certificates
$25 minimum
5.12
%
APY*
Regular
Share Certificates
$1,000 minimum
4.18
%
APY*
Jumbo
Share Certificates
$100,000 minimum
3.87
%
APY*
Estimate Your Potential Earnings
Final Balance
Contributions: | Earnings:Why Choose Raiz?
Our financial experts are some of the best, but really our motivation is you. Here is what we are doing to today to reach a brighter tomorrow.
Where Your Money Grows
You put in the effort – your money should too. With high-dividend checking, competitive loan rates, and strong savings and retirement options, our innovative products are designed to help you get more out of every dollar.
Learn more
24/7 Access and Support
Your money never sleeps, and neither do we. Raiz members have 24/7 access to digital banking and an online support chat available to help with all your banking needs.
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Free Online Courses
We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life. Start your financial journey today.
Learn more
Community Dedication
Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.
Learn more-
1
Open an Account
It takes only minutes to open an account online.
-
2
Make Initial Deposit
Open Your Savings Certificate with as Little as a $25 Initial Deposit.
-
3
Earn Dividends
Watch your savings grow with dividends compounded monthly.
Hear from Our Members
Have been with the credit union for 30 years. Still satisfied with their service. Outstanding, everyone is so helpful. I would recommend them to anyone that needs a Credit Union.
I never dread going to Raiz Credit Union to take care of business; the lobby is so welcoming, even offering drinks and snacks, and the wait period is always minimal. Their service is excellent; every issue I have ever had has been resolved quite quickly and in my favor. I have been a client for over thirty years and I have always been a satisfied customer.
Was very pleased with the professional service we received.
Ready to Experience Unparalleled Financial Growth?
Higher Yields
Maximize your investment potential with our premium rates
Guaranteed Returns
Secure your future with guaranteed returns
Flexible Terms
Choose terms that work best for your financial goals
Put Your Savings to Work for You
Don't leave your money sitting in a low- or no-dividend savings account. Earn higher dividends with a Raiz savings certificate and reach your financial goals faster.
Have a question?
We’re happy to help you every step of the way!
Chat with us
Start live chatChat live with a team member who can quickly help answer your question.
Meet with us
Schedule an appointmentSchedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.
1
* APY = Annual Percentage Yield.
₁ Rates apply to new deposits only. Must meet membership eligibility. Existing funds in accounts may not qualify. Rates are in effect as of October 28, 2025, and are subject to change at any time. Fees may reduce earnings.
² Share certificate dividends are paid and compounded monthly. We may impose a penalty if you withdraw any of the principal before the maturity date. The early withdrawal penalty amount is based on the terms of your account. Rates are subject to change at any time without notice.
Rates
| Terms | Dividend Rate | Annual Percentage Yield | Minimum Deposit |
|---|---|---|---|
|
12 months1 |
5.00% |
5.12% |
$25.00 |
1 Rates effective as of: May 1, 2025
The maximum investment balance is up to $3,000 for 12 months and as little as $25 to get started.
| Terms | Dividend Rate | Annual Percentage Yield | Minimum Deposit |
|---|---|---|---|
|
12 months1 |
3.95% |
4.18% |
$25.00 |
|
24 months1 |
3.55% |
3.70% |
$5,000.00 |
|
36 months1 |
3.25% |
3.35% |
$5,000.00 |
|
48 months1 |
3.20% |
3.30% |
$5,000.00 |
|
60 months1 |
3.45% |
3.56% |
$5,000.00 |
Rates effective as of: October 28, 2025
1 Rates effective as of: September 29, 2025
| Terms | Dividend Rate | Annual Percentage Yield | Minimum Deposit |
|---|---|---|---|
|
3 Months1 |
3.10% |
3.14% |
$100,000.00 |
|
6 Months1 |
3.80% |
3.80% |
$100,000.00 |
|
12 months2 |
4.00% |
4.07% |
$50,000.00 |
|
24 months2 |
3.65 |
3.71% |
$50,000.00 |
|
36 months2 |
3.35% |
3.40% |
$50,000.00 |
|
48 months2 |
3.30% |
3.35% |
$50,000.00 |
|
60 months2 |
3.50% |
3.56% |
$50,000.00 |
Rates effective as of: October 28, 2025
1 Rates effective as of: September 29, 2025
2 Rates effective as of: September 29, 2024
Rates are in effect until further notice and are subject to change by the Board of Directors. Twelve to sixty month share certificate dividends are paid and compounded monthly. We may impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty is based on the term of your account.
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